they are celebrating the newest warship, the "uss michael murphy" honoring the late lieutenant michael murphy, a s.e.a.l. awarded the medal of honor. at the nasdaq, kraft foods group ringing the bell from northfield, illinois. where do you want to start, guys? we saw a downgrade of citi yesterday, today we get an upgrade. >> this is a rather remarkable background because citi moved to 65% of emerging market. we thought that was great. suddenly emerging markets were good, now we don't like it. this is more of a call that maybe citi holdings are winding down. that was a question talked about on scott wagner's show yesterday. how far along are we on the wind down? i don't know why, but i always come back to thinking that citi one day is going to be a great stock. it is just not there yet. >> and we had credit suisse weighing in as well. it was a sector call. two key drivers, lone growth and asset quality. jpmorgan and wells fargo got neutral ratings. >> new management came in there and turned it around. the little ohio banks, no one thinks of them, but there's real performance to be made.